Having penalty points on your driving licence does not mean you cannot find competitively priced car insurance. Whether you have received three points for speeding or accumulated six or nine points for motoring offences, insurers may still be willing to provide comprehensive, third-party fire and theft, or third-party-only cover.
At HomeApproved, you can compare car insurance quotations through our independent comparison partner, Quotezone, helping you explore available policies based on your individual driving history.
Compare Car Insurance Quotes for Drivers with 3, 6 or 9 Points
Can You Get Car Insurance with Penalty Points?
Yes. Many UK insurance providers offer policies to motorists with penalty points, although your driving record can influence the premium you are quoted.
Insurers consider several factors when calculating your insurance costs, including your age, vehicle, postcode, claims history and the nature of any driving offences.
A minor speeding offence may have a different impact on your premium from a more serious offence involving dangerous driving or driving without insurance.
Comparing quotations from multiple providers can help you assess the cover and prices available for your circumstances.
Car Insurance with 3, 6 or 9 Penalty Points
The number of points on your licence can influence how insurance companies assess your driving risk.
Car Insurance with 3 Points
Three penalty points are commonly associated with less serious speeding offences. Many mainstream insurers will still consider drivers with three points, although some may increase their premiums.
Car Insurance with 6 Points
Motorists with six penalty points may face higher insurance quotations, particularly if the points relate to multiple offences or more serious driving infringements. However, insurance cover may still be available from a range of providers.
Car Insurance with 9 Points
Having nine penalty points can make finding affordable insurance more challenging. Insurers may view drivers approaching the disqualification threshold as presenting a greater risk, making comparison particularly important.
In Great Britain, drivers who accumulate 12 or more penalty points within three years can face disqualification. Different rules apply to newly qualified drivers, and Northern Ireland has its own endorsement arrangements.
How Much Do Penalty Points Increase Car Insurance?
There is no fixed percentage increase for having penalty points on your driving licence.
Insurance providers use their own underwriting criteria, meaning the same driver could receive significantly different quotations from different companies.
The type of offence, number of points, time since the offence and your wider driving history can all affect the price.
Rather than assuming your existing insurer offers the most competitive renewal premium, it is worth comparing alternative quotations before purchasing a policy.
How Can Drivers with Penalty Points Reduce Insurance Costs?
Although penalty points can increase insurance premiums, several practical measures may help motorists manage their costs:
– Compare quotations from different insurance providers.
– Consider vehicles in lower insurance groups.
– Provide an accurate estimate of your annual mileage.
– Review optional extras and policy excesses.
– Consider telematics or black box insurance where appropriate.
– Build and maintain a claim-free driving record.
Increasing your voluntary excess may reduce your premium, but you should ensure you can afford the total excess if you need to make a claim.
Car Insurance with Penalty Points – Frequently Asked Questions
Do I Have to Declare Penalty Points to My Car Insurer?
You must answer your insurer’s questions accurately when applying for or renewing cover. Insurers commonly request details of motoring offences from the previous five years. If you receive points during an existing policy, check its terms to establish whether immediate notification is required.
Can I Get Cheap Car Insurance with 6 Points?
Potentially. Having six points does not automatically prevent you from obtaining competitively priced cover. The cost will depend on your circumstances, the offences involved and the insurer’s assessment of risk.
How Long Do Penalty Points Affect Car Insurance?
Most endorsements remain on a driving record for four years, while certain serious offences remain for eleven years. Insurance disclosure requirements can differ from the period points remain visible on your driving record, so always answer the questions asked by your insurer.
Will Speeding Points Affect My Insurance Renewal?
They can. Some insurers may increase your renewal premium following a speeding offence, while others may assess the risk differently. Comparing quotations can help you understand the options available.
Can I Get Insurance After Accumulating 12 Penalty Points?
Drivers who accumulate 12 or more points within three years may be disqualified. If you have previously been banned, our banned and convicted driver car insurance page provides further information about finding insurance following a disqualification.
Is It Worth Comparing Car Insurance with Penalty Points?
Yes. Insurers assess motoring offences differently, so comparing quotations can help you identify suitable cover and potentially reduce your insurance expenditure.
Compare Car Insurance Quotes with HomeApproved
Having points on your driving licence need not prevent you from exploring competitive car insurance options. HomeApproved provides access to car insurance comparisons through Quotezone, allowing you to review available quotations from participating UK insurers.Compare Car Insurance Quotes Today.